BlastPoint's Banking Scorecard
First Harrison Bank
Community
Specialty: Commercial
IN
FDIC cert 31223
Corydon, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
First Harrison Bank shows strong momentum with 1 strength and 7.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.84% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+7.1% YoY
+3.0% QoQ
|
-$121.7M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$655.6M
+3.8% YoY
+1.9% QoQ
|
-$319.9M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$1.1B
+5.2% YoY
+2.5% QoQ
|
-$38.6M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.35%
+25.0% YoY
+5.7% QoQ
|
+0.19% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.64%
+11.9% YoY
+1.3% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
57.28%
-7.5% YoY
-2.3% QoQ
|
-5.35% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.66%
-4.8% YoY
+10.4% QoQ
|
+0.04% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
58.22%
-1.4% YoY
-0.6% QoQ
|
-24.84% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.61%
+5.6% YoY
+0.4% QoQ
|
-1.44% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.34%
-7.8% YoY
+9.3% QoQ
|
-0.16% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.65%
-1.7% YoY
+32.9% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
58.22%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Loan-to-Deposit Ratio
Current: 58.22% · Tier avg: 83.06%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
66
66th pctile
Efficiency Ratio
Current: 57.28% · Tier avg: 62.63%
66
66th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.61% · Tier avg: 21.05%
46
46th pctile
Total Loans
Current: $655.6M · Tier avg: $975.5M
38
38th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Delinquency Rate
Current: 0.66% · Tier avg: 0.63%
46
46th pctile
Total Loans
Current: $655.6M · Tier avg: $975.5M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.61% · Tier avg: 21.05%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
66
66th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
66
66th pctile
Efficiency Ratio
Current: 57.28% · Tier avg: 62.63%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
93
93th pctile
Loan-to-Deposit Ratio
Current: 58.22% · Tier avg: 83.06%